想將三條私人貸款group埋一齊還

2008-03-20 7:01 pm
一我剛剛入職政府工幾個月, 月入一萬一千幾, 之前一直有做私人貸款 :

UA 循環貸款 $30000
UA 私人貸款 $40000
安信私人貸款 $48000

一個月加埋差唔多要還 $7000, 又要俾家用, 扣埋d強積金, 每個月得幾百蚊用, 想將三條數 group埋一齊, 每個月還大約$4000, 咁可以舒服d, 有次安信打俾我話可以申請續借, 我順便問埋可唔可以group埋一齊還, 佢好快咁答我唔得, 可能覺得數目大啩! 大家有冇咩方法呀?

回答 (3)

2008-03-30 5:27 am
✔ 最佳答案
安信有無同你講點解唔得ar?看你的情況,應該ok ga woo,除非你走過數la,我是安信推廣部的職員,有興趣,email我,我幫你check check點解唔得la^^[email protected]
參考: 自己
2008-03-21 8:54 am
由於你無提及以上貸款利息幾多,尚餘幾多期,所以我無法計算你total欠債幾多。

但個人則認為你唔好再諗住問銀行或者財務公司借。如果安信都借唔晒俾你cover全部數,咁我諗你而家剩低既total loan數目都應該唔細。

建議你考慮去問下d consultant公司,睇下佢地幫唔幫到你做DCA(合併債務安排)啦!橫掂咨詢係免費,係幫襯佢地要佢地幫你做事至收錢既!(但要留意若果欠債總數太大既話,就未必做得到DCA……)

希望可以幫到你啦!
參考: 個人經驗
2008-03-21 1:19 am
The key point is do not contact Public Finance and other company who will charge you low interest but VERY-HIGH penalty. My friend borrows money from (大眾財務) with 1.2% per month flat rate but PF said the actual interest will be 3.0% FROM START OF CONTRACT if early repayment is requested. Beware of the penalty terms of the contract before signing.


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